NX Rewards & Complete Savings Review: 10% Cashback, Monthly Bonus & How to Join

What are NX Rewards and Complete Savings?

NX Rewards and Complete Savings are paid cashback membership programmes.

Rather than offering the smaller cashback percentages you may be used to seeing through traditional cashback websites, they commonly offer 10% or more cashback across a large range of retailers.

Complete Savings currently advertises:

• at least 10% cashback at many retailers
• more than 1,000 participating retailers
• up to £250 cashback per month
• a Monthly Bonus worth up to £180 per year
• in-store cashback at selected retailers
• additional voucher codes and promotions
• discounted gift cards for qualifying memberships

NX Rewards offers a very similar cashback programme and also advertises more than 1,000 retailers, a Monthly Bonus worth up to £180 per year and up to £250 cashback per month.

The platforms are particularly useful if you regularly make larger purchases online because the cashback percentages can be substantially higher than those offered elsewhere.

NX Rewards vs Complete Savings

The two services historically worked almost identically, but there are now some important differences.

NX Rewards

NX Rewards is associated with National Express and has traditionally appeared after booking a National Express journey.

Its main benefits are now:

• 10%+ online cashback at many retailers
• up to £250 cashback each month
• up to 2% cashback on qualifying in-store purchases
• a Monthly Bonus that can effectively reimburse your membership fee
• Welcome Reward for new members

One particularly useful feature is that NX Rewards' current terms allow its Monthly Bonus to be claimed against a qualifying purchase from any retailer featured within the NX Rewards programme.

Complete Savings

Complete Savings is commonly advertised after shopping with partner retailers and travel websites.

It offers:

• 10%+ online cashback
• up to £250 cashback each month
• in-store cashback
• Monthly Bonus
• Welcome Reward
• voucher codes
• discounted gift cards for some memberships

Complete Savings' standard terms say the Monthly Bonus must normally be claimed against a purchase from the retailer through which you originally joined or another retailer specifically permitted by your Membership Pack.

This final point is important because the benefits offered to different Complete Savings members can now vary.

How to sign up to Complete Savings

Complete Savings does not normally have a simple public signup button.

Its official website states that customers usually join after making a purchase through one of its retail partners and being shown a Complete Savings signup banner.

However, there is currently another method worth trying.

Complete Savings National Rail signup method

We have found that it may be possible to trigger a Complete Savings signup offer through the National Rail website without actually purchasing a train ticket.

Try the following:

Step 1: Visit the National Rail website.

Step 2: Search for any train journey.

Step 3: Select a ticket and click the Buy Tickets option.

National Rail will normally open the relevant train operator's website in another tab to complete your booking.

Step 4: You do not need to complete the ticket purchase.

Instead, return to the original National Rail tab.

Step 5: Look for the Complete Savings signup offer which may now be displayed on the National Rail page.

National Rail currently has an official Complete Savings partnership page advertising cashback, the Monthly Bonus and other membership benefits, so the partnership itself is legitimate.

If the Complete Savings offer doesn't appear

Try:

• another browser
• disabling an ad blocker
• accepting cookies
• performing another journey search
• using Chrome or Edge

The Complete Savings website itself recommends enabling cookies, disabling ad blockers and trying another browser where tracking isn't working correctly.

Important: this is not the signup process Complete Savings describes in its standard FAQ and the offer may not appear for everyone. Check the membership details displayed before joining.

A potentially important advantage of the National Rail signup

One particularly interesting reason to try the National Rail signup route is the Monthly Bonus conditions.

Complete Savings' general terms state that your Monthly Bonus normally requires a purchase with:

the partner through which you joined, or as otherwise outlined in your Membership Pack.

In other words, the specific membership you are offered matters.

Some memberships generated through the National Rail route appear to allow the Monthly Bonus to be triggered using a purchase from any eligible Complete Savings retailer, rather than forcing you to return to one particular signup retailer every month.

This can make Complete Savings considerably easier to use.

Check your own Complete Savings Earnings page and Membership Pack after joining. Your individual membership conditions take precedence, so don't assume every account will receive exactly the same Monthly Bonus rules.

How much do NX Rewards and Complete Savings cost?

These are paid subscriptions, rather than free cashback websites.

Recent memberships have commonly been:

• NX Rewards – £15 per month
• Complete Savings – £18 per month

Both have historically included an initial free trial, typically 30 days.

Complete Savings' current terms don't actually hard-code one universal fee. They state that the exact fee and trial offered to you will be shown during enrolment and confirmed in your Membership Pack.

NX Rewards works similarly, with the exact membership fee confirmed during enrolment.

Always check the signup page before joining rather than relying on the historic £15/£18 figures.

The subscription renews automatically unless you cancel.

The Monthly Bonus – effectively getting your membership fee back

This is one of the most important parts of both programmes.

Members can claim a Monthly Bonus equivalent to their membership fee by making an eligible purchase each month.

This potentially means that an active user can effectively neutralise the subscription cost and keep access to the high cashback rates.

For example:

Complete Savings membership fee: £18

Monthly Bonus claimed: £18

Effective membership cost: £0

You still have to buy something to qualify, so technically there can be a small cost involved, but this can simply be something you were going to purchase anyway.

NX Rewards Monthly Bonus

NX Rewards is particularly flexible.

Its current terms state that the Monthly Bonus can be claimed against an online purchase from any retailer featured within NX Rewards.

You can therefore:

1. Make an eligible purchase during the month.
2. Claim your Monthly Bonus.
3. Have the bonus paid into your registered bank account.

The qualifying purchase and claim must be made within the required time limits.

Complete Savings Monthly Bonus

Complete Savings is slightly more complicated.

The standard rule is that you make a purchase from the retailer through which you originally joined Complete Savings.

However, its terms also explicitly allow alternative qualifying retailers where this is stated in your individual Membership Pack.

This is why the National Rail signup route described above could be particularly useful if your resulting membership allows purchases from any Complete Savings retailer.

Once registered:

1. Log into Complete Savings.
2. Open Earnings.
3. Check the Monthly Bonus conditions shown for your account.
4. Make an eligible purchase.
5. Click Claim Now before the relevant deadline.
6. Upload your receipt if the purchase hasn't automatically tracked.

Never rely on somebody else's membership conditions — check what your own account says.

How to submit a Monthly Bonus claim

Both platforms allow claims through their websites.

If necessary, you can also provide your purchase confirmation manually.

NX Rewards

monthlybonus@nxrewards.com

Include:

• your name
• membership number
• order confirmation
• purchase date

Complete Savings

monthlybonus@completesavings.co.uk

Complete Savings also allows receipts to be uploaded directly through the Earnings page.

Its current terms say that if a transaction hasn't tracked, the receipt can be uploaded within 30 days of the purchase.

Welcome Rewards

New members can also receive a Welcome Reward.

The exact amount can vary depending on the signup promotion you're offered.

Historically, Complete Savings signup pages have offered rewards such as £20.87, while NX Rewards has also offered cashback rewards to new members.

Complete Savings' current terms confirm that a Welcome Reward remains available to new members, but the exact conditions and value are shown on your Earnings page and Membership Pack.

Important

You generally need a separate purchase for your Welcome Reward and Monthly Bonus.

Complete Savings' current terms specifically state that the same order can't be used for both.

NX Rewards has the same restriction.

So if you want both rewards, expect to make two eligible purchases.

Online cashback – commonly 10%+

This is where the platforms can become extremely valuable.

Complete Savings says it offers a minimum of 10% cashback across hundreds of popular retailers, while its retailer directory currently contains more than 1,000 merchants.

You simply:

1. Log into NX Rewards or Complete Savings.
2. Search for the shop you want.
3. Check the retailer's cashback rate and special terms.
4. Click through to the retailer.
5. Complete your purchase normally.

Cashback should then track to your account.

Always check the retailer's special terms

The advertised headline cashback rate doesn't necessarily apply to every product.

Individual retailers can exclude things such as:

• certain product categories
• taxes
• delivery charges
• gift cards
• voucher codes
• promotional offers

Complete Savings calculates cashback against the net purchase value, which can exclude taxes, delivery, fees, gift cards and promotional credits.

Check the retailer page before buying.

In-store cashback

Both programmes can also offer cashback when shopping physically in participating stores.

Complete Savings now operates this primarily through linked-card cashback rather than the old method of simply emailing every shop receipt.

To use it:

1. Link an eligible payment card to your account.
2. Find an eligible retailer.
3. Activate the offer before shopping.
4. Pay using the linked physical card.

Complete Savings' terms currently allow up to 2% cashback on eligible in-store purchases, with offline cashback capped at £20 per calendar month.

NX Rewards also states that qualifying offline purchases can receive up to 2% cashback, subject to the individual retailer's limits.

Watch out when paying by phone

Complete Savings' terms specifically exclude transactions made through payment methods including Apple Pay, Android Pay, Samsung Pay and PayPal from linked-card in-store cashback.

Use the physical linked card where required.

Discounted gift cards – major 2026 change

This section has changed significantly.

NX Rewards gift cards have ended

NX Rewards discontinued its gift-card benefit from 16 July 2026.

The current NX Rewards terms, effective from that date, no longer contain the previous gift-card benefit section.

So new users should not join NX Rewards expecting to receive the old 20% discounted gift cards.

This removes one of the platform's previous headline benefits.

Complete Savings gift cards

Complete Savings still has an active gift-card section within its current terms.

Eligible members can potentially receive up to 20% off selected gift cards.

However, there is now an important restriction.

The terms state that gift cards are only available if the benefit was offered during enrolment and confirmed in your Membership Pack.

That means not every new Complete Savings member should expect gift-card access.

Existing members who already have the benefit may continue to see it, while some newer memberships may not.

Check your Benefits or Gift Cards section after joining.

Complete Savings gift-card limits

Where gift cards are available, the current terms allow eligible members to purchase:

• up to £100 per calendar month from the Top Offers selection
• plus up to £100 per month of gift cards carrying a variable discount

Selected Top Offers can provide up to 20% off face value.

The participating brands and discounts can change.

For example, a £100 gift card discounted by 20% would cost:

£80

giving you an immediate:

£20 saving

Can you stack Complete Savings cashback?

Potentially, yes — and this is where the programme becomes especially interesting.

Imagine a member still has access to a discounted gift card.

They could potentially:

1. Purchase a discounted gift card.
2. Use it towards something they intended to buy.
3. Click through Complete Savings for cashback where the retailer's terms permit that payment method.
4. Combine this with other compatible rewards or card-linked schemes.

However, don't automatically assume cashback will track when paying with a gift card.

Complete Savings' definition of net purchase specifically excludes the purchase and/or redemption of gift cards, and individual retailer terms can impose additional exclusions.

Check each retailer's terms first.

You can find more ways of combining cashback, gift cards and payment-card rewards in our Cashback Stacking guide.

How cashback is paid

Once cashback becomes available, it can be withdrawn to your registered bank account.

Complete Savings says users can transfer available cashback once the balance reaches £5.

NX Rewards similarly states that approved cashback is paid once the available balance reaches £5.

You will need to make sure your bank details are correctly registered.

What happens if cashback doesn't track?

Tracking isn't perfect.

For online purchases, you should:

• enable first and third-party cookies
• disable ad blockers
• click directly from NX Rewards or Complete Savings
• avoid opening multiple cashback websites
• read the retailer's special terms
• take screenshots of the offer before purchasing

Complete Savings recommends waiting five days for an ordinary missing transaction before submitting a claim through the Earnings page.

Travel purchases can take considerably longer because cashback may not become eligible until after you've actually travelled.

Is Complete Savings legitimate?

Yes. Complete Savings is a genuine cashback membership programme operated by Webloyalty.

However, it has attracted criticism because some consumers have signed up after purchasing from another website without fully appreciating that they were joining a recurring paid membership.

In 2024, the Advertising Standards Authority upheld a complaint relating to Complete Savings advertising and ruled that the relevant advertising was misleading. The adverts examined included a 30-day free period followed by an £18 monthly subscription.

That doesn't mean the cashback programme itself isn't legitimate.

It does mean you should understand exactly what you're joining.

If you're an active user who:

• claims the Monthly Bonus
• regularly uses the high cashback rates
• understands the monthly subscription

the service can offer excellent value.

If you forget about the subscription and never use it, the opposite is true.

Known issues and drawbacks

This is the biggest one.

Complete Savings and NX Rewards are not conventional free cashback websites.

If you stop using them but leave the membership running, you'll continue paying the membership fee.

Your benefits may differ from somebody else's

This has become increasingly important.

Some benefits depend upon:

• how you joined
• the partner you joined through
• when you joined
• the Membership Pack issued to your account

This is particularly relevant to:

• Complete Savings Monthly Bonus qualifying retailers
• Complete Savings gift-card access
• Welcome Reward amounts
• monthly membership fees

Always use your own Membership Pack and Earnings page as the source of truth.

Gift cards aren't what they used to be

NX Rewards no longer offers them.

Complete Savings still supports them under its terms, but only where they were included as a benefit when you enrolled.

This makes the old strategy of joining solely for a guaranteed £100 gift card at 20% off much less reliable.

Cashback can fail to track

This is a problem with virtually every click-based cashback platform.

Take screenshots of:

• the cashback percentage
• retailer terms
• your click-through
• your order confirmation

It makes resolving a missing transaction much easier.

NX Rewards or Complete Savings – which is better?

For a brand-new user in August 2026, we would lean towards Complete Savings if you can obtain a useful membership through the National Rail signup route.

Complete Savings potentially gives you:

✓ 10%+ cashback

✓ £250 monthly cashback limit

✓ Monthly Bonus

✓ Welcome Reward

✓ in-store cashback

✓ voucher codes

✓ potentially discounted gift cards, if included in your membership

The National Rail signup is particularly interesting if the Membership Pack it generates allows your Monthly Bonus to be triggered by a wider choice of retailers.

NX Rewards is still a strong cashback programme, particularly because its Monthly Bonus can be claimed after shopping with any participating NX Rewards retailer, but the loss of discounted gift cards makes it less compelling than it once was.

Our verdict

NX Rewards and Complete Savings look expensive if you simply see £15–£18 monthly subscription and stop there.

Used properly, however, the maths can be very different.

If your Monthly Bonus offsets the membership fee and you're regularly earning around 10% cashback on purchases you would have made anyway, these can be among the most lucrative cashback programmes available to UK shoppers.

The main rule is simple:

don't treat them as "set and forget" subscriptions.

Check your Monthly Bonus every month, understand the conditions attached to your particular account and cancel if you're no longer getting enough value from the membership.

For Complete Savings in particular, your Membership Pack matters more than ever because newer accounts don't necessarily receive identical benefits.